The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
A term life conversion option lets you turn your expiring insurance policy into one that can last as long as you do. Because whole life coverage is usually much more expensive than term life coverage, using a conversion option might not seem like a good idea at first. However, whole life policies have features that can make them valuable parts of your overall financial plan.